EmblemHealth's Essential Plan is a no-deductible HMO plan with a $0 or $20 monthly premium. There are four versions of this plan, and eligibility depends on income and other factors. The Essential Plan is available at any time of year, but only if you enroll on the NY State of Health Marketplace. EmblemHealth EP 3, 4, and Plus plans offer adult vision and dental as well.
Who's eligible: Qualifying adult individuals age 21 or older (there is no family plan) living in one of eight New York counties, including the five New York City boroughs and Nassau, Suffolk, and Westchester counties.
Benefits, premiums (monthly cost), and out-of-pocket costs: All four versions of the Essential Plan include all the essential health benefits, but at different out-of-pocket costs. For benefits, view plan documents below.
Financial assistance: Cost savings are built into these plans through a premium as low as $0 or $20, no deductible, and copays as low as $0. No tax credits or additional financial assistance is offered with this plan.
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